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There were more than 35,600 requests from 28,200 public school teachers in every state on the crowdfunding website DonorsChoose.org — until now.The website that allows folks to seek donations to fund projects announced a company called Ripple, a global network that supports digital money transactions, donated million to fund every classroom project request on the crowdfunding platform.The gift represents the largest donation received by DonorsChoose.org in its 18-year history, according to a news release. "Ripple and its executives contributed the donation in XRP, which was converted to U.S. dollars and used to purchase the classroom materials," the release said."The Ripple team's donation provides the ultimate culmination of #BestSchoolDay, a campaign launched in March 2016 when 58 athletes, artists, entrepreneurs and philanthropists funded classroom requests in cities and states covering just under half of the country," the release said. "For a limited time, as teachers generate new classroom project requests on the site, DonorsChoose.org will offer donors the option of giving to the #BestSchoolDay Fund, which will be used to support projects from teachers creating their first requests on the site."DonorsChoose.org estimates that teachers will submit at least another 135,000 classroom project requests between now and the start of the next school year," the release states.  1434

Thomas Markle was to walk his soon-to-be royal daughter Meghan down the aisle at St. George's Chapel in Windsor this Saturday. But new reports suggest he isn't going.TMZ reports Thomas Markle says he is going to stay in Mexico, where he lives, while his daughter marries Prince Harry. He wants to avoid embarrassing the Royal Family, he told TMZ.The remarks stem from the fallout over photos Thomas Markle had taken by a photo agency, for which he was allegedly paid 5,000. The photos are staged and are of him getting ready to attend the wedding.He told TMZ he felt they would help him appear in a more positive light.Thomas Markle said other photos of him taken by paparazzi have typically shown him in ways he feels are unbecoming, such as purchasing beer or looking reclusive, TMZ reports.Thomas and Meghan Markle have had a rocky father-daughter relationship, and she is estranged from half-sister Samantha Grant,?who claims the photos of her dad were her idea. Meghan Markle also has a half brother, Thomas Markle Jr., who has been speaking to media, but the family says he is speaking on his own and not representing words the family would say.There has been no comment from Meghan Markle or Kensington Palace. 1278

There's a lot of excitement about the joy the holidays can bring, particularly this year. But at the same time, many families, especially those with fragile loved ones, may be experiencing stress and sadness.“It's the first time in my life that I have not been with any of my family members. And so that's really difficult and tricky for us,” said Amy Goyer, a family and caregiving expert with AARP.Goyer isn’t alone. More than three quarters of caregivers are making alternative plans this holiday season because of the pandemic.Goyer says to avoid all or nothing thinking. Instead, focus on traditions most important to your loved ones.“For one family member, the decorations are the most important part, for another one, it’s the family movie night,” she said. “It might be that the meals are the most important thing. The music, you know, the religious services. Find out what's most important and try to prioritize ways that you can adapt.”For loved ones outside the home, increase how often you talk to them. Decorate outside their window or mail them decorations. Do holiday traditions like reading a story, watching a movie or sharing Christmas morning coffee over video.“I know one caregiver who got a bunch of greeting cards and she addressed them all from different people and gave them to the facility and they're giving them to her brother who lives in a memory care facility,” said Goyer. “Every day he gets a card and that makes him feel like, oh, this is, this is the queue. This is the holiday season, and somebody cares about me.”Caregivers also need to pay attention to themselves. Well over half are already experiencing negative impacts on their mental health.“Remember to give to yourself and that that's a good thing to do. In fact, it's required. It's not optional. Because that's how we continue to have within what we need to give to others,” said Goyer. 1889

Traveling now carries with it more uncertainty than ever before. If you plan on traveling anytime soon, one thing you can do to protect yourself is get a trip insurance policy that includes coronavirus coverage. Previously, many insurers excluded COVID-related claims due to the virus’ status as a foreseen event/pandemic. But now, some insurers are changing their tune. Here’s what you need to know about how to find travel insurance providers that offer coronavirus-related coverage, as well as what is and isn’t covered.What is coveredCoronavirus coverage falls into several categories:Trip cancellation: You need to cancel a trip prior to departure because you, a covered travel companion or possibly someone you need to care for contracted COVID-19.Trip delay: Your trip is delayed due to changing COVID-related guidelines.Travel medical coverage: You (or a covered travel companion) become ill with COVID-19 while traveling abroad and incur health care expenses or require an evacuation.Of providers that are offering COVID policies, most are covering these expenses.What is not coveredCountries with Level 4 travel advisories: Some insurers disclose that if a Level 4 Do Not Travel advisory is issued by the U.S. Department of State for a specific country, you will not receive coronavirus-related coverage. With cases surging in various countries unexpectedly, the list of Level 4 countries is constantly changing. Before booking a trip and purchasing a policy, make sure to check that the countrydoes not have a Level 4 advisory.Fear of getting sick while traveling: Canceling a trip because you’re afraid you’ll get sick does not qualify for coverage under your travel insurance policy. Travel insurance providers have a list of standard reasons that qualify for cancellation, including: car accident, jury duty, terrorist act, military duty and other extenuating circumstances. If you want ultimate flexibility to cancel a trip (no matter the reason), you’ll want to look into the cancel for any reason, or CFAR, supplemental upgrade, which is offered on some travel insurance plans. When you purchase CFAR, you can get up to 75% of your nonrefundable deposit back as long as you cancel at least two days in advance. Not all plans offer CFAR as an option, so research before you purchase if you’re interested in this add-on.COVID-related events not directly related to you: If you planned on going to a conference or a family reunion that was canceled due to COVID-associated concerns, your travel insurer will not reimburse your nonrefundable flight or hotel accommodations.Finding travel insurers covering COVID-19Generally, the policies underwritten by U.S.-based travel insurance providers vary by state, trip information, travelers’ ages and other various details. Travel insurance comparison site Squaremouth is one of the very few comparison sites that allow you to filter by policies that offer coronavirus coverage.To find a policy that specifically covers coronavirus-related losses, input your departure and return dates, your main destination and select “Search for Policies Now.”In our example, we will input the following details: A ,000 paid-in-full trip to Greece leaving on Oct. 9 and returning on Oct. 18 by a 40-year old U.S. citizen who is a resident of California. The policy will include trip cancellation coverage.When incorporating the “Coronavirus Pandemic” filter, the results reveal that 40 out of 84 policies include this coverage. You can select additional filters, such as cancel for any reason, if you’re looking for that optional upgrade.The results can be sorted by price, top sellers, top reviews and insurance providers, offering plenty of ways to easily search for the specific policy you’re looking for.Each of the top three policies (which is just a sampling of the 40 options) includes coronavirus cancellation and medical coverage, and displays the associated limits. Trip cancellation coverage is ,000, representing the value of the trip. The price of the policy is clearly stated and ranges from 4.1% to 5.4% of the total trip cost. This range represents very typical travel insurance costs.The bottom lineOnce you narrow your search, you’ll want to review the full policy details to ensure you’re familiar with what exactly is covered and not covered. If you have specific questions — especially as they relate to the constantly changing travel advisories or whether coronavirus is considered as a foreseen event (which some providers will not cover) — you’ll want to reach out to the insurer. The last thing you want is to purchase travel insurance and later find out it will not cover you in your intended destination.More From NerdWalletWhy You Shouldn’t Book Airfare in Advance Right NowShould I Pay for My Hotel Using Cash, Points or Both?5 Travel Writers ‘Draft’ Their Favorite AirlinesElina Geller is a writer at NerdWallet. Email: egeller@nerdwallet.com. Twitter: @elina_geller. 4952

'Tis the season for spicy lattes, fast food turkey sandwiches and pumpkin-flavored everything.If you're a fan, you'd better act fast: They won't be around for long.That's by design. Seasonal items are an important marketing tool for the food industry, according to Alexander Chernev, a professor of marketing at Northwestern University's Kellogg School of Management.Limited releases almost give consumers a Pavlovian response. For example, when the weather turns colder, Starbucks customers habitually get excited about Pumpkin Spice Lattes. In November, customers come in to check out the new holiday cups."When you have these exclusive products, which exist for a short period of time, it gives people a reason to come to the store," Chernev explained.It's not just Starbucks that comes out with seasonal specials: Dunkin' Donuts announced a whole slew of pumpkin-flavored treats in August. McDonald's is getting ready for winter with the McRib. As the holiday season gets into full swing, we'll be sure to see Santa on Coca Cola bottles, turkey sandwiches from Subway and more. In the spring, it'll be Girl Scout cookie time.Related: The McRib is back at McDonald's For fast food chains in particular, which rely on familiarity, holiday items can offer consumers some variety."You need consistency because that's the brand mantra," said Chernev. "But no matter how much you like something, consuming something different ... increases the enjoyment of what you consumed before."Chernev says it's a neat marketing ploy: Although a specialty item may be exciting on its own, it can also remind consumers how much they like the basics.Seasonal offerings can also give brands a chance to test a new product. When Starbucks announced the return of the Pumpkin Spice Latte this year, it also unveiled the Teavana Pumpkin Spice Chai Tea Latte.And Chernev pointed out that seasonal menu items mean brands have something new to talk about every quarter.Starbucks says that's part of the rationale behind its seasonal drinks"We strive to provide our customers with unique, seasonal offerings to celebrate each season, and customer response has been extremely positive to that," a company spokesman said.Related: Hey, latte fans: Maple is having a moment this fallThere are some basic supply-and-demand economics behind limited-time releases too: Scarcity can build hype."It's a way to create excitement for the menu," said R.J. Hottovy, a consumer strategist for Morningstar.Items that might be popular for a few months probably wouldn't generate enough year-round demand.For example, when the McRib debuted in 1981, it was a dud. McDonald's pulled it from its menu four years later. Though it never achieved nationwide success, there were parts of the country where the McRib generated a solid enough fan base to bring it back every now and then."There's a lot of mystery around why the McRib comes and goes, but to be honest it's a local option based on consumer demand," a McDonald's spokesman said.The McRib works very well in the Midwest, but doesn't necessarily work as well in the coastal areas, Hottovy noted. That's why it makes sense to restrict the amount of McRibs that go on sale.Hottovy explained that sales typically rise for a short time when companies unveil seasonal items. But after a few weeks, that demand drops off after the core fans of the limited time product are satisfied.So enjoy your Pumpkin Spice Latte while it lasts. And let's be honest, you probably wouldn't want one in April.The-CNN-Wire 3526